Each traffic ticket could result in an increase in your insurance premium. In Ontario there is a regulated standard set by the Insurance Bureau of Canada.

If you insurance rates increase higher than the set increase consider changing insurance companies. Other insurance companies might offer a better rate increase. No matter what, you are going to face an increase in premiums. It is just a matter of how much.

The following is an example of premium surcharges the Facility Association applies on private
passenger vehicles:

Minor
Convictions for any moving traffic offence offences related to the operation of a vehicle, other than those listed as Serious or Major, under an act governing highway traffic or Compulsory

Premium Surcharge
One conviction 0%
Two convictions 5%
Three convictions 15%
Four convictions 25%
Each additional 15%

Types of Convictions
• failure or refusal to surrender licence (CAIA )
• failure to produce evidence of insurance (CAIA)
• failure to carry insurance card (CAIA)
• failure to carry evidence of insurance (CAIA)
• failure to have insurance card (CAIA )
• failure to disclose particulars (CAIA )
• failure to notify police
• failure to make written report
• failure to report damage to highway property
• backing up – unsafe/illegal/improper – any type
• brakes – none/inadequate/improper – any type
• crowding driver’s seat
• door opening – illegal/obstructing traffic – any type
• emergency vehicle – operating with no regard for safety
• driving imprudently
• driving off roadway (including shoulder/sidewalk/median) – any type
• flagman – disobeying
• following too closely (including tailgating)
• headlights/parking lights – improper lack of use – any type
• lack of control of vehicle – any type
• motor-assisted bicycle – carrying passengers
• motorcycle – operating with only an instruction permit
• motorcycle – failure to wear helmet
• passing infraction – any type
• except school bus or school/playground zone
• pedestrian crossing violation – any type
• radar warning device in motor vehicle – if illegal in province/territory
• railway crossing – any type
• safety zone violation – any type
• seatbelt – any offence
• signalling offences – any type
• slow driving – endangering others – any type
• smokescreen device on vehicle
• speeding – any type, except when listed as major or serious
• squealing tires
• stopping – illegal/improper – any type
• stunting
• tires – defective/worn – any type
• towing – prohibited/unsafe – any type

Major
Convictions for the following offences under any act governing highway traffic of Compulsory Automobile Insurance Act (CAIA) or offences substantially the same

Premium Surcharge
One conviction 15%
Each additional conviction 25%

Types of Convictions
• failure to report an accident
• failure, in the event of an accident, to give name and licence number to the police or any other person entitled to such information
• failure to obey school crossing stop sign
• improper passing of a school bus
• improper passing/speeding in a school or playground zone
• driving without insurance
• operating motor vehicle - no insurance (CAIA )
• vehicle owner without insurance (CAIA)
• no insurance (CAIA)
• producing false evidence (CAIA)
• making a false statement re insurance (MVACA)
• producing false insurance (MVACA)
• making a false statement (CAIA)
• speeding in excess of 50 km/h over limit
• Ontario Graduated Licence – permit novice driving in contravention of conditions/restrictions • class G1, accompanying driver fails or refuses to provide a breath or blood test
• class G1, accompanying driver has excess blood alcohol
• class G1, driver unaccompanied by qualified driver
• class G1, accompanied driver excess blood alcohol
• class G1, driver with front seat passengers
• class G1/G2, driver with excess passenger
• class G1, driver on prohibited highway
• class G1/M1, driver driving at unlawful hour
• class M1, driver driving motorcycle with passenger
• class M1, driver driving motorcycle on prohibited highway

Serious
Convictions for the following offences under the Criminal Code of Canada or under an act governing highway traffic or any other act or any offences

Premium Surcharge
One conviction 100%
Each additional conviction 100%

Types of Convictions
• criminal negligence committed in the operation or use of a motor vehicle
• manslaughter committed in the operation or use of a motor vehicle
• driving while licence under suspension
• racing
• careless driving
• driving without due care and attention
• dangerous driving
• impaired driving
• failure or refusal to submit to a breath or blood test
• failure to pass a breath or blood test
• failure to stop/remain at the scene of an accident
• failure to stop for a police officer, resulting in a suspension of licence for a
period in excess of two weeks
• class GI/G2/M1/M2 failure/refuses to give breath sample
• class G1/G2/M1/M2 driver with alcohol in blood - one conviction 100% - each additional conviction 100%

Note: If convictions for impaired driving and failure or refusal to take a breath or blood test relate to the same occurrence, they will be considered as one conviction.

Note: The maximum surcharge the Facility Association applies is 250%.

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